Side-by-side · Q2 2026 data
First United Bank & Trust vs Middletown Valley Bank
Metric by metric
| Measure | First United Bank & Trust | Middletown Valley Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 63 |
| Capital cushion | 66 (stronger) | 42 |
| Loan quality | 90 | 96 (stronger) |
| Earnings | 70 (stronger) | 38 |
| Funding & liquidity | 63 (stronger) | 62 |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 77th | 30th |
| Total assets | $2.1B | $1.2B |
| Deposits / shares | $1.7B | $1.1B |
| Capital ratio | 11.56% (stronger) | 9.18% |
| Problem loans | 0.31% | 0.12% (stronger) |
| Net charge-offs | 0.04% | 0.02% (stronger) |
| Return on assets | 1.25% (stronger) | 0.45% |
| Loans ÷ deposits | 89.0% (stronger) | 89.6% |
| Uninsured deposits | 22.7% (stronger) | 23.2% |
| Offices | 22 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.3% |
First United Bank & Trust has the higher TellerScore (75 vs 63). On the 7 directional measures above (where higher or lower is clearly better), First United Bank & Trust leads on 5 and Middletown Valley Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Hagerstown, MD
- Frederick, MD
- Boonsboro, MD
- Myersville, MD
- Oakland, MD